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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Metropolitan Commercial Bank

New York, New York · $8.86B in assets · beside the 11 other New York banks between $3B and $10B

The filing

+10.8%
Loans, year over year
2nd of 12, largest first
94.3%
Loans / deposits
10th of 12
0.91%
NPA / loans
10th of 12

Metropolitan Commercial Bank is the second largest of the 12 New York banks nearest its size between $3B and $10B, with $8.86B in assets at 30 June 2026. Loans are 94.3% of deposits, 10th of 12 against a median of 89.6%, and equity is 10.9% of assets, 3rd of 10. Loans grew +10.8% in the year, 2nd of 12, and deposits grew 13.9%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.91% of the book, 10th of 12 against a median of 0.71%; 0.28% is 30 to 89 days past due, and the allowance covers them 0.9 times. Net charge-offs are 1.27% of loans, the highest in the cohort. Commercial real estate is 43.9% of loans, 8th of 12 against a median of 36.1%, and 304% of capital, above the 300% screen, with construction at 45% against the 100% screen.

Return on assets is 1.18%, 6th of 10 against a median of 1.23%, on an efficiency ratio of 52.2%, 3rd of 10. Five years ago it was 0.97%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 42.8% of loans).

Loans as a share of depositsNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 89.6% BT Bessemer Trust Co. N.A. 32.7% AB Amalgamated Bank 60.7% Bo Bank of India 67.9% RS Ridgewood Savings Bank 81.1% MP Mashreqbank PSC 86.4% FS Five Star Bank 89.6% CN Canandaigua National Bank & Trust Co. 89.7% TC Tompkins Community Bank 92.1% NB Northfield Bank 92.6% MC Metropolitan Commercial Bank 94.3% TB Trustco Bank 94.6% AB Arrow Bank National Association 95.1%
Loans, year over yearNY banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +4.5% BT Bessemer Trust Co. N.A. +28.2% MC Metropolitan Commercial Bank +10.8% AB Amalgamated Bank +9.2% TC Tompkins Community Bank +6.9% CN Canandaigua National Bank & Trust Co. +4.8% FS Five Star Bank +4.8% TB Trustco Bank +4.3% AB Arrow Bank National Association +2.1% RS Ridgewood Savings Bank +1.0% NB Northfield Bank -5.4% MP Mashreqbank PSC -12.5% Bo Bank of India -18.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Metropolitan Commercial BankRankCohort median
Total CRE against capital, the 300% screen304%8th of 10243%
Construction against capital, the 100% screen45%8th of 1012%
Construction and land development, share of loans6.6%10th of 120.9%
Non-owner-occupied nonfarm nonresidential, share of loans31.7%10th of 1011.7%
Total CRE, the guidance definition, share of loans43.9%8th of 1236.1%
CRE growth over 36 months, the third prong+23.8%4th of 10+24.8%
Commercial real estate against capital, the 300% screenNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 243% BT Bessemer Trust Co. N.A. 0% TB Trustco Bank 28% AB Arrow Bank National Association 142% AB Amalgamated Bank 235% CN Canandaigua National Bank & Trust Co. 241% RS Ridgewood Savings Bank 246% FS Five Star Bank 294% MC Metropolitan Commercial Bank 304% TC Tompkins Community Bank 323% NB Northfield Bank 381%
CRE growth over 36 months, the guidance's third prongNY banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +24.8% MP Mashreqbank PSC -60.6% NB Northfield Bank -18.7% RS Ridgewood Savings Bank +10.4% MC Metropolitan Commercial Bank +23.8% CN Canandaigua National Bank & Trust Co. +23.9% FS Five Star Bank +25.8% TC Tompkins Community Bank +32.0% TB Trustco Bank +44.7% AB Amalgamated Bank +59.3% AB Arrow Bank National Association +72.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Amalgamated Bank$9.41B1.3%47.7%1.99%0.25%1.3%60.7%9.2%
Metropolitan Commercial Bank$8.86B1.2%52.2%0.91%1.27%0.8%94.3%10.9%
Tompkins Community Bank$8.79B1.4%53.1%0.80%0.07%0.9%92.1%9.3%
Ridgewood Savings Bank$7.55B0.7%67.3%1.85%0.18%0.7%81.1%12.8%
Bank of India$7.42Bno recordno record0.00%no recordno record67.9%no record
Mashreqbank PSC$6.93Bno recordno record0.00%no recordno record86.4%no record
Trustco Bank$6.52B1.0%54.8%0.40%0.00%1.0%94.6%8.5%
Five Star Bank$6.29B1.4%52.1%0.82%0.27%1.0%89.6%10.8%
Northfield Bank$5.50B1.0%52.3%0.62%0.28%1.0%92.6%13.1%
Canandaigua National Bank & Trust Co.$5.41B1.3%59.2%0.83%0.10%0.9%89.7%8.9%
Arrow Bank National Association$4.46B1.1%60.7%0.24%0.09%1.0%95.1%9.5%
Bessemer Trust Co. N.A.$4.16B3.2%79.4%0.00%0.00%0.0%32.7%10.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Metropolitan Commercial BankCohort median
20212026Change20212026Change
Loans$3.45B$7.33B+113%$3.18B$4.42B+39%
Deposits$5.30B$7.78B+47%$3.74B$5.50B+47%
NPA / loans0.16%0.91%+0.75 pts0.26%0.71%+0.45 pts
Efficiency50.1%52.2%+2.1 pts57.2%54.0%-3.3 pts
ROA0.97%1.18%+0.21 pts1.37%1.23%-0.14 pts

This read was prepared for Metropolitan Commercial Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Metropolitan Commercial Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $3B to $10B
Institution www.mcbankny.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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